Chattanooga Homes with Conventional Financing available

Chattanooga Homes with Conventional Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled along the banks of the Tennessee River and surrounded by the stunning beauty of the Appalachian Mountains. Known for its rich history and thriving arts scene, Chattanooga is a perfect blend of Southern charm and modern amenities. With a population of around 180,000, this city offers a welcoming community atmosphere that makes it a great place for families, young professionals, and retirees alike.

Chattanooga is renowned for its outdoor recreational opportunities, featuring picturesque parks, scenic hiking trails, and the breathtaking Lookout Mountain. The city boasts an array of attractions, including the Tennessee Aquarium, the Creative Discovery Museum, and the historic Walnut Street Bridge, which invites you to stroll across and take in the stunning views of the river.

When it comes to housing, Chattanooga offers a diverse range of homes that cater to various lifestyles and budgets. Whether you're looking for a charming bungalow in a historic neighborhood or a modern townhouse with all the contemporary finishes, you’ll find it here. What's more, many of these homes are available with conventional financing options, making the dream of homeownership more accessible than ever. This financing flexibility allows potential buyers to explore a variety of properties without the burden of restrictive lending practices.

In Chattanooga, you’re not just buying a home; you’re investing in a lifestyle filled with adventure, culture, and community spirit. Come discover why so many are choosing to call this enchanting city home!

Newest Chattanooga Homes with Conventional Financing available

2 Beds ⋅ 2 Baths ⋅ 1539915 MLS

Freshly updated, beautifully distinctive, and impossible to duplicate, this is the kind of home that immediately stands apart. Recent improvements include a brand-new, 400-square-foot deck, new flooring in the two upstairs bedrooms, fresh interior paint in select areas, freshly painted patio, new garage-door lock, and the refrigerator, range, and dishwasher were purchased in 2025 as well as a recently renewed, transferable Choice Home Warranty that doesn't expire until next July 2027. The sun-filled main level feels remarkably open and inviting, pairing sleek mid-century modern influence with inspiring pops of color and architectural personality. It is a refreshing departure from the ordinary, stylish without sacrificing comfort and perfectly suited for both everyday living and entertaining. Step outside to the expansive new deck overlooking just over 0.4 acres, offering uncommon breathing room in a location celebrated for its exceptional convenience. Downstairs, a finished studio apartment with its own private entrance and separate driveway adds an entirely different level of flexibility. Create a secluded home office, primary or guest suite, multigenerational living space, creative studio, private retreat, or explore the potential for supplemental rental income. Homes with this combination of individuality, usable land, versatile living space, recent updates, and everyday accessibility rarely come together in one property. For the buyer unwilling to settle for everyday average, this one is a true original.

742 S Germantown Circle, Chattanooga

3 Beds ⋅ 4 Baths ⋅ 1539899 MLS

Breathtaking Mountain Views, Oversized Garage & Everything's Included® in Asbury Oaks! Special Financing Incentives Available! Qualified buyers may receive $7,500 toward closing costs plus an interest rate buy-down opportunity that could lower monthly payments by hundreds of dollars. Ask for details! Welcome home to The Asbury at Asbury Oaks by Lennar, where modern comfort meets scenic mountain views and effortless one-level living. This thoughtfully designed home offers the perfect blend of style, functionality, and convenience--all in a beautiful setting you'll love coming home to. The popular Asbury floor plan features an inviting open-concept layout with spacious living areas, a well-appointed kitchen with a MASSIVE island, and a seamless flow that makes everyday living and entertaining easy. Enjoy your morning coffee while taking in the fabulous mountain views, or unwind in the evening surrounded by the peaceful beauty of your new neighborhood. A true standout feature is the oversized garage, providing exceptional space for larger vehicles, extra storage, hobbies, a workshop area, or all of your recreational gear. It's the kind of feature that makes daily life easier and adds long-term value to your home. And with Lennar's signature Everything's Included® package, you get the upgrades you want without the upgrade costs. Your new home comes complete with quartz countertops, stainless steel appliances including the refrigerator, washer and dryer, 2-inch blinds, smart home technology, and stylish designer finishes--all included from day one. Located in the desirable Asbury Oaks community, this home offers the perfect combination of peaceful mountain views and convenient access to shopping, dining, entertainment, and everything Chattanooga has to offer.

118 Asbury Oak Lane 118, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1539896 MLS

Now pre-selling, ready January 1! New Construction located in Lookout Valley, just minutes from downtown Chattanooga and conveniently close to I-24. Loads of upgrades, carpet free. This 1 level floor plan is perfect for entertaining family & friends. Loads of upgrades, carpet free, stainless steel appliances, fireplace, quartz countertops, 9' ceilings, 2 car garage, private backyard, oversized free standing tub and tile shower. Buyer to verify anything of concern, including but not limited to schools, sf, and taxes. Personal Interest applies as listing agent has ownership interest.

1218 Judys Lot 17 Lane, Chattanooga

2 Beds ⋅ 2 Baths ⋅ 1539886 MLS

Looking for the perfect place to call home? This charming two-bedroom, two-bathroom, one-level home is an excellent choice for first-time buyers, retirees, or anyone looking to downsize without sacrificing comfort or style. The thoughtfully designed layout maximizes space and functionality, making everyday living both easy and enjoyable. With its single-level floor plan, this home offers easy accessibility, ideal for those who prefer to avoid stairs or are planning for the future. Imagine starting your next chapter in a space that feels just right--where every room invites you to relax, entertain, and envision your future. The bright and airy living areas provide a welcoming atmosphere, while the well-appointed kitchen is perfect for preparing meals and gathering with loved ones. Both bedrooms offer ample closet space, and the two bathrooms are designed with convenience and comfort in mind. Located in a neighborhood with nearby amenities, this home provides the perfect balance of tranquility and accessibility. Call to schedule a private tour. Your perfect home is waiting!

1108 Everett Drive, Chattanooga

6 Beds ⋅ 3 Baths ⋅ 1539884 MLS

Welcome to 9100 Tennga Lane, a rare opportunity to own a spacious 6-bedroom home in the highly sought after Hurricane Creek community. With 6 bedrooms, 3 full baths, a dedicated office, and a large bonus room, this home offers the flexibility today's buyers are looking for whether that's working from home, hosting guests, or creating room for a growing family to spread out. Inside, you'll find a freshly updated interior featuring hardwood floors, new paint throughout, stylish barn-style sliding doors, and an open, functional layout built for everyday living and entertaining. The main-level primary suite adds everyday convenience, while oversized windows fill the home with natural light. The kitchen serves as the true centerpiece, with custom cabinetry, generous storage, and elevated finishes that flow seamlessly into the living area, anchored by a striking stacked-stone fireplace. Located just minutes from Gunbarrel Road, you'll have quick access to shopping, dining, and everyday conveniences, all while being zoned for West View Elementary and East Hamilton schools. Hurricane Creek also offers optional access to a neighborhood pool, tennis courts, and clubhouse, adding even more lifestyle value.

9100 Tennga Lane, Chattanooga

3 Beds ⋅ 3 Baths ⋅ 1539881 MLS

Welcome to 409 Lowell St, a beautifully maintained 3-bedroom, 2.5-bath home offering 1,884 square feet of comfortable living space in the highly convenient Red Bank area of Chattanooga. This move-in ready home features fresh interior paint, a functional floor plan, and numerous recent updates that provide peace of mind for years to come. The inviting living room features a cozy fireplace, creating the perfect space to relax or gather with family and friends. The home also offers a 2-car attached garage and a fenced-in backyard ideal for pets, entertaining, or enjoying the outdoors. Major improvements include a new roof installed in 2022, HVAC system replaced in 2024, septic tank replaced in 2025, and siding around the chimney updated in 2026. The retaining wall has also been professionally secured by AFS and includes a lifetime of the structure transferable warranty, providing added confidence for the next homeowner. Conveniently located just minutes from the popular North Shore area, downtown Chattanooga, shopping, dining, and outdoor recreation, this home offers the perfect combination of comfort, updates, and location. Whether you are looking for your first home, a place to grow, or a low-maintenance property close to everything Chattanooga has to offer, 409 Lowell St is a must-see!

409 Lowell Street, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1539876 MLS

Welcome to your beautifully renovated, move in ready home in Chattanooga! This charming one level rancher offers the perfect blend of classic character and modern updates. Thoughtfully remodeled from top to bottom, you'll enjoy peace of mind with major improvements already completed, including updated electrical, plumbing, HVAC, windows, roof, and more, all done with proper permits. Step inside to a spacious living room that flows seamlessly into a cozy, knotty pine den that is perfect for relaxing evenings or entertaining guests. The adjoining dining area creates a warm and inviting space for gatherings, while the bright kitchen features granite countertops, a stylish tile backsplash, and plenty of charm. The home offers generously sized bedrooms and updated bathrooms with modern vanities, providing comfort and functionality for everyday living. Outside, you'll love the welcoming curb appeal and fenced backyard, ideal for pets, play, or outdoor entertaining. Conveniently located near St. Elmo and just minutes from downtown Chattanooga, this home combines location, updates, and easy one level living all in one. Don't miss your opportunity to own a fully updated home with timeless charm! Schedule your showing today!

4116 Grand Avenue, Chattanooga

4 Beds ⋅ 3 Baths ⋅ 1539866 MLS

Beautifully updated 4-bedroom, 2.5-bath brick home in the highly desirable Brandermill Estates! Conveniently located just minutes from Hamilton Place, shopping, restaurants, and interstate access, this move-in-ready home offers 2,279 square feet of thoughtfully updated living space. A dramatic two-story foyer welcomes you inside, where you'll find a home office, formal dining room, spacious living area, and a bright sunroom. The updated kitchen features granite countertops, newer stainless steel appliances, and a breakfast nook. The oversized fourth bedroom/bonus room offers two separate living spaces, providing endless flexibility for a playroom, media room, home gym, or guest suite. The primary suite includes a large garden tub and separate tiled shower. Recent updates include replacement windows, both HVAC units, attic insulation, a new 12' x 18' deck, LED lighting throughout, two beautiful bay windows, and extensive built-in shelving in the garage and pantry. Enjoy the level, private backyard complete with an outbuilding for additional storage. This well-maintained home combines quality updates, flexible living space, and an outstanding location--ready for its next owner!

8324 Grinder Creek Place, Chattanooga

3 Beds ⋅ 4 Baths ⋅ 1539852 MLS

Beautifully maintained, custom home with Anderson windows, oversized (24 X 33) garage with permanent stairs to storage area over it, and storage area in basement. Private setting on a wooded 1.37 acre cul-de-sac lot, large bedrooms, lots of hardwood, and a cathedral wood ceiling in the den. All this is only 10 minutes to downtown Chattanooga. Please note: Health department permit was for 3 bedrooms but the house was originally constructed as 4 bedrooms with one bedroom on the first floor.

605 Stonebrook Drive, Chattanooga

2 Beds ⋅ 2 Baths ⋅ 1539850 MLS

SPECTACULAR IN EVERY WAY! Enjoy breathing Lake and Mountain views from this beautiful condo. Located in the desirable Lakeshore area of Hixson. This condo offers the perfect combination of comfort, convenience and Lakefront living. The one level open concept floor plan blends timeless design with modern function. As soon as you step through the entry you'll be captivated by the lake views from the open concept living dining and kitchen area. This condo features a great floor plan featuring formal dining area, spacious kitchen with island, solid surface countertops and generous counter space, Beautiful living room with fireplace adds cozy charm. Features two bedroom and two baths. Separate area for entertaining with glass doors leading out to a gorgeous glassed in balcony over looking Lake Chicamauga. This room is heated and cooled and is enjoyed all year long. Parking is easy with 1 covered parking space and two additional parking spaces. **PRICED BELOW APPRAISAL**

4346 Lakeshore Lane, Chattanooga

3 Beds ⋅ 2 Baths ⋅ 1539848 MLS

Welcome to historic Highland Park. Built in 1925 in the heart of Chattanooga's beloved neighborhood, this extraordinary home offers a rare opportunity to own a piece of local history. Originally serving as both a neighborhood dental office and family residence, the home has played an enduring role in the community for more than a century before becoming the warm and welcoming home it is today. Lovingly restored over the past two years, this historic property blends timeless character with the peace of mind of extensive modern updates. Major improvements include NEW plumbing, updated electrical, foundation stabilization, restored plaster walls, a restored slate roof, NEW water heater, and fresh landscaping and paint. Inside, you will find beautifully preserved original floors, soaring 11-foot ceilings, double-hung sash windows, and stunning original stained woodwork that showcase the craftmanship of a bygone era. Enjoy spacious bedrooms with a primary ensuite. The large eat in kitchen boasts granite countertops, lots of cabinetry, and access to the private backyard. Rich in history, thoughtfully restored, and ready for its next chapter, this one-of-a-kind Highland Park home is more than a place to live-it's a legacy waiting to welcome its next owners. *There is also a large shed on the back of the property for additional storage that has electricity, and a refrigerator that conveys. Lots of potential!

1406 Chamberlain Avenue, Chattanooga

This exceptional 1.49-acre property is a bespoke brow lot, created by combining two premium lots to create one of the largest city-view parcels in Black Creek. Perched on a scenic bluff, this prime Black Creek homesite boasts unbeatable vistas of Chattanooga, TN River, Lookout Mountain, and Raccoon Mountain. Build your custom dream home with plenty of room for sprawling outdoor living spaces and privacy. Enjoy the perfect blend of secluded retreat living with walkable access to planned amenities in a premier community. Black Creek is renowned for its active community and upscale amenities, including a top ranked golf course, miles of walking and biking trails, Pools and multiple recreational facilities, all within the city limits. With convenient access to downtown Chattanooga, you can enjoy the best of both worlds--peaceful living in a picturesque setting with the excitement of Chattanooga just 10 minutes away. Don't miss this rare opportunity to secure a prime homesite in one of Chattanooga's most desirable neighborhoods. Contact us today for more details and to schedule your private tour! **Some amenities associated with the Black Creek Club, additional joining fees and monthly fees will apply**

4125 Amethyst Road 801/802, Chattanooga

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